| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.5% | +3.9% | +5.6 pts |
| Share growth (YoY) | +9.4% | +3.3% | +6.1 pts |
| Loan growth (YoY) | -8.6% | +2.9% | -11.5 pts |
| ROA | 0.72% | 0.69% | +0.0 pts |
| ROE | 6.1% | 5.9% | +0.1 pts |
ROA ranks in the 52nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $460.9M | $408.1M | $241.8M | $54.6M | $826K | 0.72% | 3.69% | 0.29% | 39,014 |
| Q4 2025 | $442.2M | $389.5M | $248.9M | $53.7M | $4.6M | 1.05% | 3.98% | 0.44% | 39,166 |
| Q3 2025 | $426.3M | $375.2M | $252.4M | $52.7M | $3.5M | 1.09% | 4.12% | 0.29% | 39,423 |
| Q2 2025 | $420.9M | $372.4M | $256.9M | $51.4M | $2.2M | 1.02% | 4.14% | 0.24% | 40,050 |
| Q1 2025 | $421.0M | $373.1M | $264.7M | $50.3M | $1.0M | 0.95% | 4.08% | 0.31% | 41,010 |
| Q4 2024 | $409.2M | $362.5M | $273.1M | $49.3M | $1.8M | 0.43% | 4.08% | 0.49% | 41,575 |
| Q3 2024 | $401.9M | $355.5M | $278.7M | $49.6M | $2.0M | 0.66% | 4.11% | 0.41% | 42,776 |
| Q2 2024 | $398.8M | $353.4M | $278.9M | $49.0M | $1.3M | 0.65% | 4.07% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.72% | 0.69% | 52th | |
Return on equity Annualized net income ÷ equity or net worth | 6.1% | 5.9% | 52th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.69% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.28% |
| 43,863 |
Loan mix (Q1 2026): real estate $35.9M · commercial $9.0M · consumer $176.8M · securities $125.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.9% | 78.7% | 51th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.